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Just had my IPA form

124

Comments

  • Addicted2Chocolate
    Addicted2Chocolate Posts: 747 Forumite
    A breakdown is not normally sent out with the IPA letter. It is every bankrupt's duty to notify the OR of any increase ion income. If you have already done this you are OK, just sign the consent and send it back.
    I suggest when communicating with OR do it by letter and keep a copy. Phone call records dont protct you as much.
  • Addicted2Chocolate
    Addicted2Chocolate Posts: 747 Forumite
    yes thats right, only up until discharge do you have to notify of changes in income.
    rog2 wrote: »
    As far as I am aware, Scoot, you ONLY need to inform the OR of any changes DURING your bankruptcy period - NOT after.
  • Addicted2Chocolate
    Addicted2Chocolate Posts: 747 Forumite
    I work in bankruptcy too but agree with ROG2, it would be unfaior to bankrupts with IPA's if only they had to account for increases after discharge. After discharge the IPA stays the same.
    shameless-about-money wrote: »
    Yes it is correct!

    An IPA form is usually sent out on a regular basis throughout the 36 months.

    Also, there is a 21 day ruling on changes to income.

    I cannot be held responsible for Scoot having a sloppy OR!


    I forgot, I am not supposed to know anything because I am not bankrupt myself, I just work with bankrupts every day!

    I was going to post the link to the relevant page but I am not going to bother. If Scoot wants to know he will have to pm me.
  • Mike_St_Helens
    Mike_St_Helens Posts: 3,414 Forumite
    Addicted2Chocolate wrote: »
    I work in bankruptcy too but agree with ROG2, it would be unfaior to bankrupts with IPA's if only they had to account for increases after discharge. After discharge the IPA stays the same.

    Thanks for this...

    Shamless should be ashamed.. Again. Wrong info !
  • scootw1
    scootw1 Posts: 2,165 Forumite
    It seems to me that each OR works in a different way which is really weird as you would think they would all work the same way to give the same chance to everyone
  • NekoZombie
    NekoZombie Posts: 1,664 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    scootw1 wrote: »
    It seems to me that each OR works in a different way which is really weird as you would think they would all work the same way to give the same chance to everyone

    I'd agree with that. It does seem that standards are not uniform...
    BCSC Member 70:j
    .
  • tight_jock
    tight_jock Posts: 1,902 Forumite
    scootw1 wrote: »
    It seems to me that each OR works in a different way which is really weird as you would think they would all work the same way to give the same chance to everyone

    The problem is that they work to a guideline manual which leaves virtually every decision open to individual interpretation...and even that can differ within the same office ( trust me I know all about this :mad: )
    :beer:
    TJ
    1/11/06 -1/06/07 BSC #42


    For FREE advice. Your local CAB Office - ask to speak to a 'money advisor'.*The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111*National Debtline - Tel: 0800 808 4000*Payplan - Tel: 0800 917 7823*Insolvency Helpline-0800 074 6918
  • scootw1
    scootw1 Posts: 2,165 Forumite
    I know that. One person in the OR office told me they would want ALL my backpay and the guy earlier this week said only a percentage would be taken
  • tight_jock
    tight_jock Posts: 1,902 Forumite
    scootw1 wrote: »
    I know that. One person in the OR office told me they would want ALL my backpay and the guy earlier this week said only a percentage would be taken

    Try and get a definitive answer in writing if you can. Only we had a bit of cash from a compensation and lost a lot more than the initial figure we were given ( and which was confirmed twice:mad: ) after the Assistant OR overruled the initial decision.

    We will be making a complaint in due course . :D
    1/11/06 -1/06/07 BSC #42


    For FREE advice. Your local CAB Office - ask to speak to a 'money advisor'.*The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111*National Debtline - Tel: 0800 808 4000*Payplan - Tel: 0800 917 7823*Insolvency Helpline-0800 074 6918
  • scootw1
    scootw1 Posts: 2,165 Forumite
    well, my backpay is due any month now so I will be phoning them then so I will post again when that happens.presumably they will send written confirmation
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